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Pathfinder Bancorp PBHC Q2 2026 earnings

Reported July 30, 2026 · Before market open

Revenue$19.3M
EPS$0.42
“Performance was also supported by a modest net credit to provision, underscoring the benefits of the proactive, risk-based reserve build we completed last year and the ongoing stabilization of credit costs. The resolution of previously reserved commercial loans with unique risk characteristics improved overall portfolio quality without the need for incremental provision expense. Our second quarter 2026 asset quality metrics further reflects the comprehensive commercial portfolio review and reserve build completed at the end of last year, as well as the broad-based credit discipline initiatives implemented since mid-2024.”
Dowd

Next report

Date not yet announced

Financials

Q2 2026

Income statement

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Revenue$11.8M+26.5%
Net income$2.7M+8,506%

Balance sheet

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Cash & equivalents$26.1M-17.2%
Total debt$150.8M+31.9%
Total equity$125.7M+1.1%
Total assets$1.5B-0.8%

Cash flow

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Operating cash flow$2.3M—
CapEx$165.0K-26.3%
Free cash flow$2.2M—

Valuation & ratios

Valuation

as of 09/16/26
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Market cap$107.43M+13.5%
Enterprise value$232.21M+30.8%
P/E751.2×+710×
P/S2.2×+0.4×

Profitability

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Net margin0.3%-4.2pp
FCF margin22.9%—

Returns & leverage

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Return on equity0.1%-1.7pp
Debt / equity1.2×+0.3×

Segments

By product

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Banking$925.0K-2.6%
Deposit Account$381.0K+0.3%
Insufficient Funds Fees Deposit Account$218.0K+1.9%
Credit And Debit Card$202.0K+3.6%
Debit Card$188.0K+4.4%

FAQ

When did Pathfinder Bancorp report Q2 2026 earnings?
Pathfinder Bancorp (PBHC) reported Q2 2026 earnings on July 30, 2026 before market open.
What were Pathfinder Bancorp's Q2 2026 revenue and EPS?
Pathfinder Bancorp reported revenue of $19.3M and eps of $0.42 for Q2 2026.
How did Pathfinder Bancorp's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.2% from $17.7M a year earlier.
Where can I find Pathfinder Bancorp's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-326175) and the 10-Q periodic report (0001193125-26-349125) directly on SEC EDGAR. The filing index links above go to sec.gov.